Most fitness pros face at least one liability claim during their career, whether it’s a client spraining an ankle in a session or accidental equipment damage in a rented studio ISSA OnlineGEICO. Professional liability insurance (also called errors & omissions insurance) defends you against claims of negligence, improper programming, or advice that resulted in client harm Health & Fitness Blog - NASMInvestopedia. General liability insurance covers third-party bodily injury and property damage, think slipping on a wet floor or accidentally damaging gym equipment during a group class
Also called malpractice insurance, it covers legal defense and settlements if a client alleges negligence or improper programming led to injury or loss Health & Fitness Blog - NASM.
Protects against third-party bodily injury (e.g., slip-and-fall) and property damage (e.g., dropped equipment) at your training venue Institute of Personal Trainers.
Covers repair or replacement costs if your cameras, weights, or other tools are stolen, damaged, or vandalized Xinsurance.
Often bundled into a Business Owner’s Policy (BOP) with liability for a 10–20% discount PT Distinction.
Required if you employ assistants or contractors—covers medical bills and lost wages if staff are injured on the job Hevy Coach.
An umbrella policy extends liability limits above your standard coverage (e.g., from $1 million to $5 million) Hevy Coach.
Consider add-ons such as sexual misconduct coverage, first-aid reimbursement, and cyber/data breach protection for online coaching ISSA Online.
Internal Linking: For help with client onboarding forms, see our “GPT Prompts Every Fitness Coach Needs in 2025” post.
Document Incidents: Use Spur.Fit’s session notes feature to record any on-session incidents or client-reported issues—this time-stamped log can be invaluable in a dispute.
Q1: What is the best personal trainer insurance?
Top choices include NEXT Insurance for instant quotes, HPSO for comprehensive professional liability, and K&K for affordable general liability—compare based on coverage limits and premiums
Q2: How much does personal trainer insurance cost?
Expect to pay $10–$15 /month for general liability and $20–$30 /month for professional liability, depending on your experience and risk profile
Q3: Do I need insurance for online coaching?
Yes, make sure your professional liability policy explicitly covers virtual training, as some general liability policies only cover in-person services
Q4: Can I bundle insurance policies?
Bundling general liability, professional liability, and business property into a Business Owner’s Policy (BOP) often saves 10–20% over standalone plans Investopedia.
Q5: What happens if I train clients without insurance?
Without coverage, you’re personally responsible for legal fees, settlements, and medical costs—one claim could bankrupt your business ISSA OnlineInvestopedia.